First of all, judging from your situation, you have been overdue for more than two years, so judging from my previous collection party, you must be in the state of outsourcing collection. I don't know whether the principal involved in your case has reached more than 50 thousand yuan at present, and I don't know whether you have been sued in civil proceedings, but no matter what the case is, you are overdue for more than 2 years. In the first case, you can contact the outsourcing company responsible for your overdue collection. They generally have the right to negotiate with customers. In national banks, whether commercial banks or state-owned banks, most banks will consider your actual situation. In the process of collection, some outsourcing companies must have some illegal or inappropriate words. If you have evidence, then this is a powerful negotiation condition for negotiating with the bank collector to repay the principal. Judging from my bank collection work, most of them are ok, but communication skills need to be professional.
Second, you go directly to the bank credit card center where you get the card and negotiate face to face. This is the most effective and quickest way. You still have to have your own negotiation skills.
Third, pay back a little money on time every month. On this premise, call the bank customer service every once in a while and ask for repayment of the principal in installments. This effect is also possible, but only in large quantities.
As a professional in the industry, I want to express my thoughts. The credit card has expired for two years. Judging from personal credit information, this friend's credit information record has been contaminated with credit information. Credit records are divided into two ways: one is overdue within 90 days. This kind of overdue can be regarded as general overdue. The other is more than 90 days overdue, so this kind of overdue is very serious. This situation is even more serious when the overdue time is as long as two years.
General banks deal with overdue credit cards in two ways according to the amount. If the amount owed is relatively large, the bank will definitely take the form of collection to solve it, and will not enforce it through legal proceedings. The borrower will even bear the corresponding criminal responsibility. However, if the amount owed is not large, the bank thinks that the collection cost is greater than the actual amount owed. Then the bank will not accept the money, and it can treat the arrears as "bad debts". Every bank has a bad debt rate every year, which is allowed. For the debtor, in principle, there is no need to repay. However, the debtor's credit information will definitely enter the small black room of credit investigation.
In addition, if the credit card is overdue for two years, the debtor has the ability to repay. The bank certainly welcomes you to contact him to solve the corresponding repayment problem. After all, banks may want less and less bad debts. After the bad debt record was written off, the debtor's credit record returned to normal after 5 years.
But negotiating with banks also needs to pay attention to methods. After all, the credit card is overdue for 2 years, and the resulting interest and late fees are definitely not a small amount. In fact, the debtor can negotiate with the bank to pay only the principal. This can also minimize the debtor's own losses, and at the same time solve the bank's bad debts to achieve a win-win situation.
Of course, the discussion also needs to pay attention to certain ways and means. At the same time, we should learn more about the relevant laws and regulations of credit cards. After all, banks have the right to recover interest and late fees.
Let me share an example with you, hoping to help you further understand:
In the process of repayment negotiation, we should pay attention to the following points: sincere attitude; Secondly, we should insist on making more phone calls or going directly to the bank outlets to negotiate with the staff face to face, because the ultimate goal of the bank is to get the money back, and there may be high interest in the negotiation process, which is also negotiable. Before, I had a customer who owed 8,000 yuan to China Merchants Bank, and the accumulated repayment was close to 50,000 yuan. Finally, he repaid 6,543.8+0.3 million yuan through negotiation.
Finally, I would like to remind you that no matter whether the loan or credit card is overdue, you must remember to call the bank to communicate and negotiate, and pay it back more or less every month to show your good attitude to the bank. Never change the phone or refuse to answer it, otherwise the blacklist of credit information will affect all aspects of life.
In this state, the cardholder can use the time to find the right time to solve this problem instead of being too anxious. Don't listen to the advice of some so-called respondents (who claim to know how to collect money from banks), otherwise many suggestions will lead to very bad consequences if they are done. Mr. Dede knows the bank's mind and internal process best, and made relevant regulations from the beginning.
If the credit card is overdue for more than two years, the card must not be used. At the same time, in the bank credit card center, it is definitely a bad debt state. The handling of this business will not be in the hands of the outsourcing collection company that the bank cooperates with, so don't listen to the so-called negotiations with the bank outsourcing, which will lose a lot of money. And generally speaking, in the current state, no one will accept the cardholder. So instead, I entered a very strange state, and the credit card could not be used. I'm still collecting bills to increase the repayment amount every month, but no one comes to collect them. The cardholder feels scared. Is it quiet?
Actually, it's not surprising, Mr. Fred. Let me tell you something. As mentioned in the Interim Measures for Risk Classification of Financial Assets of Commercial Banks issued by CBRC on 20 19, credit card debts exceeding 360 days are classified as lost assets. Then, after it is classified as a lost asset, the bad debt reserve within the bank is 100%, which means that the bank offsets this debt with its own profits. In this case, the bank is also a Buddha. Anyway, the credit history of the cardholder is clearly recorded on it, and the cardholder cannot obtain new credit services unless the debt is eliminated. If it can be recovered, the bank's profits will increase. If it cannot be recovered, the bank will no longer bear new losses.
Generally speaking, in this case, if the cardholder contacts the bank, or the bank actively contacts others, they all want to solve it through consultation. Then at this time, as long as the cardholder keeps a sincere attitude of thinking about the solution, it is very likely that he can talk about the principal installment. Of course, the premise is that you study the major and know how to negotiate with the bank.
In fact, banks have the task of collection every year, which means that they can recover some historical bad debts or non-performing assets. Then the way of collection is either court proceedings or mutual agreement. If you can sign for it by agreement, the natural cost is the lowest and the effect is the best. Therefore, the cardholder can seize this opportunity to negotiate with the bank for a suitable scheme. Remember, after the payment is paid off, you must cancel the card and eliminate all bad debts.
Personal collection experience: negotiation is useless.
First, the way banks collect credit cards is different from traditional loans.
All bank credit cards are sold in bulk, similar to the credit factory process. As long as an admission standard is formulated, the number of places can be evaluated according to the different conditions of applicants.
Similarly, due to the large number of credit card customers, after the overdue collection of credit card customers is fruitless, banks will not negotiate with customers like loan customers. For this kind of extension, there is too much pressure to reduce interest and directly repay the principal.
After the bad credit card customers are overdue, banks will handle them in batches, and some banks will simply hand them over to third-party collection agencies to package assets for sale.
Second, the overdue amount of credit card customers is small and the default cost is high. The bank bet that you dare not pay it back, even if you don't pay it back now, you will pay it back later.
The overdue amount of credit card customers is mostly within 50 thousand yuan. Although the amount is not large, it has a great impact on personal credit records.
Some customers can't repay their credit cards in a short period of time because of problems in capital turnover, which leads to bad credit records on the one hand and high penalty interest on the other.
Why don't banks negotiate interest rate cuts?
Generally speaking, customers who use credit cards are relatively young, and these customer groups will inevitably be affected by bad credit information because of various things in the future. Just like a customer whose credit card is overdue for 88 years, I am not afraid that he will not pay it back, and I do not agree to any negotiation and mediation.
Because he hasn't bought a house or got married, he owes more than 10 thousand. Although I have no repayment ability for the time being, I won't buy a house in the future? Can the bank approve the non-performing loan records in the credit report for you?
Sure enough, after more than a year's delay, the customer came to me to repay the loan, and even the penalty interest was several thousand yuan. Because he talked about an object in the past two years, he is ready to buy a house before getting married. This is a game.
Third, because of the high income generated by credit card business, banks can bear a higher default rate.
Like China Merchants Bank, the income generated by credit card business accounts for about 45% of the company's overall income. It is precisely because of such high profits that banks are not in a hurry to urge you to repay some overdue customers. To put it bluntly, they can "fix".
The attitude of the bank is: if you don't pay it back, it's your business to hack your credit, unless you don't deal with the bank in your life.
Besides, I have high profit support. I have earned your overdue money from someone else's credit card. I don't care if you can. It's you who suffer!
Generally, credit cards are overdue for more than two years, so you must have been blacked out. Judging from the credit report, it is definitely not very good. It doesn't matter whether you pay the principal or the interest first. The bank can't tell you whether to pay the interest or the principal first. Because the principal and interest are sometimes paid together. If you borrow a lot. The bank will usually call you three times. If you don't pay it three times, you can also take court proceedings according to the situation. Don't worry, banks don't usually. Bring a lawsuit directly to the court. As long as you tell the bank, I will pay back the money as usual. Well, I don't usually want to take you to court, because then he won't get a penny. Our country's laws do not support personal bankruptcy protection for the time being. So the bank is unwilling to take you directly to court. Of course, you have to pay back the money. No matter how long you are now, as long as you pay people back as usual every month, it is not a problem.
If the credit card is overdue for more than 2 years, the interest will definitely be a lot, so if it is not repaid in full, it can only be negotiated with the bank.
Although you can negotiate with the bank to repay only the principal, you should make two preparations and don't hold out too much hope. After all, the regulations of each bank are different, but you can try it according to the following points:
1. If the amount owed is not large, the interest generated is not much. This need not be negotiated, and the bank will not agree after consultation. It is useless to do it;
2. If the amount owed is not large, but the overdue time is long, resulting in a lot of interest, this situation must be negotiated. You must pay off your debts to get rid of your bad credit record. For example, the debt is only about 2000 yuan, but it is overdue for 2 years, and you have to pay back more than 654.38+0 million with interest. This is not a small number.
During the negotiation, you should take the initiative to call the bank and be rational. Of course, don't forget to write it down. Tell the bank on the phone that you want to pay back the money, and then explain clearly the principal you owe and the interest you generate. At the same time, you should show your difficult situation. Only money can repay the principal, but no money can repay the interest.
So it is not a way to avoid overdue credit cards. Only when you face them can you solve all the problems. As long as you negotiate with the bank, the interest will be lower.
I hope I can help you, and I hope you can go ashore as soon as possible and get rid of this debt-ridden day.
The credit card is overdue for more than 2 years, which has been a long time. The credit report should have been reflected in company 3 and company 6, which can be classified as a black household.
But there are a few things you haven't made clear:
1. What caused the overdue? Did you forget to return it, or did you break the contract maliciously, or did you not cause it yourself?
2. What is the overdue amount?
3. Is there a bank collecting money from you now, or has it been transferred to a third party to collect money from you?
Let's assume a more serious situation. I have no money, my credit card is in arrears for two years, and I can't use it anymore. The amount is relatively large. The bank failed to collect the money, and my payment was frozen and transferred to a third party.
In this case, we should first calm down and think about how to communicate with the bank. Banks are like friends. If you borrow money from a friend and don't pay it back, you will disappear, your phone will be black, and your face will be gone. How can friends forgive you?
Therefore, if I want to pay back the money after I have money, I must tell the bank sincerely that the reason why I can't pay back the money is not malicious arrears, but objective reasons, such as earthquake, detention and serious family difficulties. (think for yourself). I will take the understanding of the bank and strive for maximum relief. If I am sincere, handle it properly and have good reasons, I can not repay the interest, or even repay the principal in installments.
Most importantly, it doesn't matter if the account is cancelled, but the overdue record of credit investigation must be eliminated, which is related to the present and future life. Good luck!
Hello, I'm glad to answer your question. The credit card has expired. First of all, you need to negotiate the repayment method with the customer service of the bank's credit card department. You can watch my video for details. I hope I can help you!
First of all, let's see what your overdue quota is. After all, the bank's money is also owned by the state, if you take the initiative to return it if there are not many cases. If many people don't go in for the time being, then call and negotiate with the bank! Apply for preferential policies. Be sure to keep in touch with the bank when the amount is large! Even if it hasn't arrived yet, we should maintain the necessary communication. I hope I can help you!
First of all, communicate with your issuing bank and explain the situation. If the amount is not large, you can communicate with your family first and discuss whether to return it first or borrow it from a friend. If the amount is too large, negotiate with the bank to repay first, and give the bank an attitude that you are not rich but have no money to repay.
Only repay the principal to the bank, you can negotiate with the bank first, but don't expect too much. The content of the treaty of each bank is different. The bank is a state-owned institution, not a private lending institution. If everyone's credit card money is overdue for several years, after a few years, you can negotiate with the bank to repay only the principal and not the interest, then many people will seize this loophole and cause a vicious circle.
A credit card is associated with your credit information. If there is something wrong with the credit information, it will bring a lot of inconvenience to your life and affect your future loan to buy a house and a car. If the bank sues, it will also limit your high consumption.
I suggest you pay it every month and try to pay off your debts as soon as possible.